My number one question: What changed recently? This cannot have been going on for years. Someone must have done something with a receptacle, a circuit breaker in the panel, or some other aspect of the electrical system. Is is a safe bet that as soon as that change was installed, the problem was created. So find out what that change had been, and look there first.
If the fridge has a 3-prong plug, and if it is plugged into a grounded-style receptacle that does not have a ground wire attached to it within the outlet box, then what happened to the ground wire that you say is landed within the panel? My guess is that two wiring errors were made, but only one need have been made recently. One error is that a hot and neutral were reversed in a receptacle (like Hv&Lv suggested), and it would have to be a receptacle at, or upstream of, the first of the appliances on this circuit. The other error is that in order to fool some component into believing it had a ground wire available, someone connected a neutral screw to an equipment ground screw on a receptacle. That second thing (the N-G connection) might have happened long ago, without anybody noticing. But it was only when that other error (H-N reversal) was recently made that someone felt a shock. You may need to look in more than one place, to find both wiring errors.